KR20240003808A - Guarantee providing lending contract system and method after pre - Google Patents

Abstract

The present invention relates to a loan contract system and method for providing collateral after pre-loaning, in which a loan is granted to the loan holder in advance and collateral is established if the loan is not repaid within a certain period. The purpose of the present invention is to provide collateral when the holder wishes to receive a loan in the short term. Costs for setting up a mortgage, costs for a legal practitioner, costs for appraisal, etc. are incurred, but if you provide a loan to the contractor first and the contractor repays the loan amount within a set period, you can save costs for setting up a mortgage, costs for a lawyer, and costs for the appraisal within a set period. If the contractor fails to repay the loan amount, the cost of setting up a mortgage, attorney's fees, and appraisal costs are charged to the contractor, and real estate in the contractor's name is automatically set as collateral to prevent damage to the financial institution. To provide a loan contract system and method.

Description

{Guarantee providing lending contract system and method after pre}

The present invention relates to a loan contract system and method for providing collateral after pre-loaning. More specifically, when a real estate owner urgently needs a loan to pay monthly rent, fees, various taxes, interest, etc. within the due date, the real estate owner and the real estate agent If the loan application conditions are met, the loan is first implemented. If the loan amount is repaid within a set period, the loan contract is terminated. If the loan amount is not repaid within a set period, the real estate in the name of the contractor is set as collateral, followed by a pre-loan loan followed by a collateral loan. It relates to contract systems and methods.

Generally speaking, financial institutions refer to banks, insurance, securities, investment trusts, etc. Among these financial institutions, especially general banks, the headquarters (or headquarters) of each commercial bank and special bank are located around the Bank of Korea, with the Bank of Korea issuing currency, and each bank's branches (hereinafter, for convenience of explanation) Branches, branch offices, etc. are called branches) are distributed in large numbers by administrative district, centered around the head office of each bank.

These general banks are largely divided into deposit (receipt), loan (credit), and exchange services. Here, foreign exchange business refers to lending and lending relationships between distant parties, for example, a financial transaction method of repaying a conventional loan amount without transporting cash through a financial institution such as a bank for settlement of bonds and debts and other remittances or payment collection. am.

In general, in order to receive a loan from a financial institution, there are two types of loans: secured loans that require collateral and credit loans based on credit. Here, a credit loan is a loan that a financial institution provides based on the customer's credit rating. The loan amount and interest rate are determined taking into account the customer's economic situation, occupation, transaction details, family matters, etc.

Credit loans are classified into unsecured credit loans and credit loans provided by a credit guarantee company. Unguaranteed credit loans are loans that are determined based on the borrower's credit rating. In comparison, secured loans are generally longer term, larger in amount, and have lower interest rates than credit loans. This means that a person who lends money holds onto real estate or assets of economic value from the borrower in case the money is not returned.

However, when people who own real estate in their name take out a short-term loan using real estate as collateral, they are said to incur losses due to various costs, including costs for setting up a mortgage, legal fees, and appraisal costs, even though it is a short-term loan. There is a problem.

In addition, if the property owner does not have enough money to pay the monthly rent, fees, various taxes, interest, etc. within the due date, credit problems may arise. At this time, when a property owner who owns real estate wants to take out a short-term loan using the real estate as collateral to make payments, not only does it take a lot of time to get the loan, but the process is complicated, so the loan is not made before the due date. There is also a high possibility that credit problems will occur.

Therefore, in order to solve the above problems, the present invention proposes a loan system and method that first executes a loan if the loan application conditions are satisfied, and sets the set real estate as collateral if the loan amount is not repaid within a set period. .

1. Republic of Korea Patent Publication No. 10-0902164 (“Method for brokering real estate mortgage loan contracts using the Internet”, 2009.06.03.)

The present invention was created to solve the above problems, and the purpose of the present invention is to apply for a short-term loan using real estate as collateral due to lack of money to pay monthly rent, fees, various taxes, interest, etc. , if the loan application conditions are met, the loan is immediately implemented, and if the loan amount is repaid within a set period, the loan contract is terminated. If the loan amount is not repaid within a set period, the set real estate is set as collateral, and various payments are made using real estate. We provide a loan contract system and method that provides collateral after pre-loaning to prevent credit problems due to failure to pay various payments within the due date by allowing quick and easy borrowing and payment.

In addition, a loan contract system and method for providing collateral after pre-loaning can save costs such as setting up a real estate mortgage, legal fees, and real estate appraisal costs by repaying the loan amount within a set period after obtaining a short-term loan using real estate. In providing.

The loan contract system for providing collateral after pre-loaning of the present invention includes a loan contract management server that is equipped with a loan contract process and proceeds with the loan contract process according to the installed loan contract process, wherein the loan contract management server performs the process of concluding a loan contract and It is equipped with a process for prepayment of the loan amount, and is connected to a member database that stores personal information of the loan holder entered through a contractor terminal connected by communication means and a contract database that stores contract information concluded through the loan contract conclusion process. Request and receive information from external servers connected to each other through a plurality of external servers and communication means, check whether the loan application conditions are satisfied for the loan contract you wish to apply through the loan contract process, and satisfy the loan application conditions. The loan contract is characterized in that the loan amount is paid in advance and the loan contract is concluded.

In addition, whether the loan application conditions are satisfied is confirmed by comparing information input from the contractor terminal with information received through a request to the external server.

In addition, the external server is connected to and communicates with the loan contract management server through a communication means, and receives a signal requesting credit information of the contractor transmitted from the loan contract management server, among credit information stored in the credit rating agency database. a credit rating agency server that transmits the policyholder's credit information to the loan contract management server; It is connected and communicates with the loan contract management server through a communication means, receives a signal requesting registration data for a predetermined address transmitted from the loan contract management server, and recalls the registration information for a predetermined address among the registration information stored in the court registration database. The court registration server transmits data to the loan contract management server; It is connected and communicates with the loan contract management server through a communication means, receives a national tax payment details request signal sent from the loan contract management server, and enters the national tax payment details information of the policyholder among the national tax payment details information stored in the National Tax Service database into the loan contract. National Tax Service server transmitting to the management server; and is connected to and communicates with the loan contract management server through a communication means, and receives a bank transaction details request signal transmitted from the loan contract management server, and the policyholder's bank transaction details information among the bank transaction details stored in the Korea Credit Information Service server database. Characterized in that it includes a Korea Credit Information Service server that transmits to the loan contract management server.

In addition, the external server is connected and communicates with the loan contract management server through a communication means, and receives a signal requesting information on the publicly announced land and building standard price of a predetermined lot number or actual transaction price information on the probate contract transmitted from the loan contract management server. Receives and transmits to the loan contract management server the publicly announced standard land and building price information of a given lot or the actual transaction price information on the probate contract stored in the market price information database. Market price information server; and is connected to and communicates with the loan contract management server through a communication means, and receives a request signal for real estate appraisal amount information at a predetermined address transmitted from the loan contract management server, and receives a predetermined address number among the real estate appraisal amount information stored in the appraisal database. It further includes an appraisal agency server that transmits real estate appraisal amount information to the loan contract management server.

In addition, the loan contract management server is characterized in that the loanable amount and the loan interest rate are calculated based on the land and building standard land price information or the actual transaction price information in the probate contract and the appraisal amount information.

In addition, the external server includes a notary agency server that is connected to the loan contract management server through a communication means and generates a notarized document for real estate in the name of the contractor; or a guarantee insurance agency server that is connected to the loan contract management server by a communication means and generates a guarantee insurance policy for real estate in the name of the policyholder.

A loan contract method using a loan contract system that provides collateral after pre-loaning includes a pre-loan contract step in which a contractor connects to a loan contract management server through a contract terminal and applies for a loan contract, and a loan contract is concluded for a certain period of time; A maturity date confirmation step of checking whether the loan contract concluded in the advance loan contract step has reached maturity; A loan repayment confirmation step, which is performed when it is confirmed that the loan contract maturity date has arrived in the maturity date confirmation step, and checks whether the loan amount paid to the policyholder in the advance loan contract step has been repaid; And a counting step, which is performed when it is confirmed that the loan amount has not been fully repaid in the loan repayment confirmation step, counts the number of progresses in the loan repayment confirmation step, and compares it with a reference value. The counting step counted in the counting step If the value is below the standard value, the loan repayment confirmation step is re-processed, and if the value counted in the counting step exceeds the standard value, the real estate in the name of the contractor entered in the advance loan contract step is It is characterized in that a mortgage setting step in which the mortgage is automatically set is performed.

In addition, the pre-loan contract step includes a connection step in which the contractor connects to the loan contract management server through the contractor terminal; A member confirmation step of confirming whether the contractor who accesses the loan contract management server through the contractor terminal is a member registered with the loan contract management server; In the member status confirmation step, if the contractor connected to the loan contract management server through the contractor terminal is confirmed to be a member, a loan progress screen output step of displaying a screen for proceeding with a mortgage loan contract on the contractor terminal; The contractor agrees to automatically set up a mortgage for real estate in the contractor's name if the loan amount is not repaid after the contractor's personal information, real estate information in the contractor's name, at least one desired loan amount, loan contract start date, and loan contract maturity date. An input step where whether or not is input; The loan contract management server requests the credit information of the policyholder from the credit rating agency server, transmits the credit information of the policyholder from the credit rating agency server to the loan contract management server, and sends the credit information of the policyholder to the credit rating agency server from the loan contract management server. A credit information confirmation step of confirming loan application conditions based on the contractor's credit information transmitted from; The loan contract management server requests the court registration server to obtain a certified copy of the real estate registered by the contract holder as collateral, and the loan contract management server requests the contract holder and the real estate rights on the registered copy based on the registered copy of the real estate sent from the court registered server. A registration information verification step to confirm the loan application conditions by verifying that the person matches the contractor; The loan contract management server requests the National Tax Service server for information on the policyholder's national tax payment history, the National Tax Service server transmits the policyholder's national tax payment history information to the loan contract management server, and the loan contract management server transmits it from the National Tax Service server. A national tax payment history confirmation step to check the loan application conditions based on the national tax payment history information of the contractor; The loan contract management server requests the Korea Credit Information Service server for the policyholder's bank transaction details information, the Korea Credit Information Service server transmits the policyholder's bank transaction details information to the loan contract management server, and the loan contract management server transmits the policyholder's bank transaction details information to the loan contract management server. A transaction history confirmation step of confirming loan application conditions based on the policyholder's bank transaction history information transmitted from the Korea Credit Information Service server; A market price information receiving step in which the loan contract management server receives market price information including information on the publicly announced real estate land and building standard lot price information of a predetermined lot or actual transaction price information in a probate contract from the market price information provision server; An appraisal amount receiving step in which the loan contract management server receives an appraisal amount for a real estate in a predetermined lot from an appraisal agency server; A calculation step in which a loanable amount and a loan interest rate are calculated by the loan contract management server based on the market price information received in the market information receiving step and the appraisal amount received in the appraisal amount receiving step; A loan application step in which the available loan amount and loan interest rate calculated in the calculation step are output to the contractor terminal, and a loan application request is transmitted from the contractor terminal to the loan contract management server; When the loan contract management server receives a loan application request sent through the loan application step, the loan contract management server and the notary institution server communicate and provide a notary certificate or guarantee insurance policy collateralizing the real estate in the name of the contractor entered in the input step. Step of creating a notary certificate or guarantee insurance policy; And when a notary certificate or guarantee insurance policy is created in the notary certificate or guarantee insurance policy creation step, the loan contract management server approves the loan contract, and the loan amount is paid in advance to the policyholder on the loan contract start date entered in the input step, thereby signing the loan contract. It is characterized in that it includes a loan approval step that is executed.

In addition, the loan contract method is characterized in that, when it is confirmed that the entire loan amount has been repaid in the loan repayment confirmation step, the notary certificate or guarantee insurance policy generated in the notary certificate or guarantee insurance policy generation step is discarded.

In addition, the loan contract method is characterized in that, when it is confirmed that the maturity date has arrived in the maturity date arrival confirmation step, a notification that the maturity date has arrived is sent from the loan contract management server to the contractee terminal.

In addition, the reference value is characterized in that it is a value that counts the remaining days from the time when the loan contract maturity set in the loan contract management server arrives to the loan contract maturity date.

In addition, the loan repayment confirmation step is characterized in that it is repeated 24 hours after the previous loan repayment confirmation step was performed.

The loan contract system and method for providing collateral after pre-loaning of the present invention according to the above configuration is used when a real estate owner does not have enough money to pay monthly rent, fees, various taxes, interest, etc. and applies for a short-term loan using real estate as collateral. , if the loan application conditions are met, the loan is immediately implemented, and if the loan amount is repaid within a set period, the loan contract is terminated. If the loan amount is not repaid within a set period, the set real estate is set as collateral, and various payments are made using real estate. By allowing you to borrow and pay quickly and easily, you can prevent credit problems from occurring due to failure to pay various payments within the due date.

In addition, if a real estate owner takes out a short-term loan using real estate and repays the loan amount within a set period of time, he or she can save on costs such as setting up a real estate mortgage, legal fees, and real estate appraisal costs.

1 is a schematic diagram of a loan contract system for providing collateral after pre-loaning according to an embodiment of the present invention.
Figure 2 is a schematic diagram of the loan contract management server of the loan contract system for providing collateral after pre-loaning according to an embodiment of the present invention.
Figure 3 is a flowchart of a loan contract method using a loan contract system for providing collateral after pre-loaning according to an embodiment of the present invention.

The present invention relates to a loan contract system and method for providing collateral after pre-loaning. More specifically, when a real estate owner urgently needs a loan to pay monthly rent, fees, various taxes, interest, etc. within the due date, the loan is provided through the contractor terminal. Connect to the contract management server, enter the information required to apply for a loan, and the loan contract management server communicates with multiple external servers. If the real estate owner and real estate information satisfies the loan application conditions, the online investment server, internet bank server, and financial institution server A loan contract providing the loan amount is concluded on one of the selected servers, and if the contractor repays the loan amount within a set period, the loan contract is terminated. If the contractee does not repay the loan amount within a set period, the set real estate is set as collateral. It relates to a loan contract system and method for providing collateral after pre-loaning.

Hereinafter, an embodiment of the present invention described above will be described in detail with reference to the drawings.

Figure 1 shows a schematic diagram of a loan contract system for providing collateral after pre-loaning according to an embodiment of the present invention. As shown in Figure 1, the loan contract system for providing collateral after pre-loaning of the present invention can be accessed by the contractor through the contractor terminal 200, and is a loan contract management server where at least one loan process including collateral loan is performed. Includes (100).

The contractor terminal 200 used by the contractor to access the loan contract management server 100 is preferably a smartphone or a PC, and may also be a tablet PC or laptop. It is preferable that the contractor using the contractor terminal 200 is a member registered with the loan contract management server 100. However, if the contractor is not a member, a membership registration window is displayed on the contractor terminal 200 or a personal authentication screen is displayed on the contractor terminal 200. can be printed.

The loan contract management server 100 is a server equipped with a collateral loan processor that includes loan contract conclusion, loan requirement review, loan contract extension, and loan contract expiration.

The loan contract management server 100 is interconnected and communicates with a plurality of external servers 1 that receive information for concluding a loan contract through communication means such as the Internet. The loan contract management server 100 stores information received from the external server 1 or information input from the contractor terminal 200.

The loan contract management server 100 is preferably equipped with or connected to at least one backup server to prevent information received from the external server 1 and information input through the contractor terminal 200 from being lost. do.

When a contractor applies for a loan using real estate as collateral, costs for setting up a mortgage, legal fees, and appraisal costs are incurred. Contractors seeking short-term loans are losing money because they have to pay the above costs even though it is a short-term loan.

In order to solve this problem, the loan contract system of the present invention that provides collateral after pre-loaning is used to pay the loan amount first only to contractors who meet the loan conditions and pay the loan amount on the loan contract maturity date when the contractor wants to apply for a loan in the short term. If the contract is not repaid, real estate in the contractor's name is set as collateral, and the above-mentioned costs are also charged.

Therefore, when the contractor wants to apply for a short-term loan, it has the effect of minimizing losses because he does not have to pay the above costs. If the loan amount is not repaid within a preset period, the real estate in the contractor's name is automatically placed as a mortgage. Therefore, losses to financial institutions can also be minimized.

At this time, in short-term loans, it is desirable to set the concept of short-term to 3 months, like the statute of limitations of electronic seal certificates (3 months from the date of issuance), but the concept of short-term can be designed by changing various settings within 6 months.

Figure 2 shows a schematic diagram of the loan contract management server of the loan contract system for providing collateral after pre-loaning according to an embodiment of the present invention. As shown in Figure 2, the loan contract management server 100 includes at least one database in which information is stored, and the member database 110 in which the personal information of the contractee is stored and the contract in which the details of the loan contract concluded are stored. It is desirable for information to be stored separately in the database 120.

As described above, the loan contract management server 100 is interconnected with a plurality of external servers 1 through communication means such as the Internet, and can transmit an information request signal to the external server 1, and the external server 1 It is configured to be able to communicate with each other so that information in a database stored in or connected to the external server 1 can be received from the external server 1.

First, a contractor can access the loan contract management server 100 through the contractor terminal 200 and apply for a loan contract by entering the amount and loan period for which he or she wishes to apply for a loan.

As described above, the loan contract system of the present invention for providing collateral after pre-loaning involves the financial institution paying the loan amount to the contract holder first, so it is checked whether the contract holder satisfies the eligibility conditions to receive the loan amount first even without providing collateral. It must communicate with multiple external servers (1) and determine whether the loan contract conditions are satisfied based on the received information. There are multiple loan contract conditions, and if even one of the multiple loan contract conditions is not satisfied, a loan contract providing collateral after prepayment cannot be concluded.

The loan contract management server 100 transmits a request signal for the contractor's credit evaluation information to the credit rating agency server 10, which is one of the plurality of external servers 1. When the credit rating agency server 10 receives a credit rating information request signal, the credit rating information of the contractor corresponding to the credit rating information request signal among the credit rating information stored in the credit rating database 11 is sent to the loan contract management server 100. Send. The loan contract management server 100 checks whether the contractor's credit evaluation information transmitted from the credit rating agency server 10 satisfies the loan contract conditions.

For example, if the standard for checking loan contract conditions is credit rating, it is assumed that if the contractee's credit rating is 5 or lower, the loan contract conditions are not satisfied. If the contractor's credit rating transmitted from the credit rating agency server 10 is level 4, it satisfies one of the multiple loan contract conditions for entering into a loan contract providing collateral after prepayment, and the credit rating is level 5 or lower. In this case, a loan contract providing collateral cannot be concluded after prepayment.

At this time, the credit rating standard can be easily changed by a person skilled in the art, and not only the credit rating but also the credit evaluation score may be set as the standard.

Additionally, the loan contract management server 100 transmits a signal requesting registration data for a predetermined address to the court registration server 20, which is one of the plurality of external servers 1. When the court registration department server (20) receives a registration data request signal, it transmits registration information corresponding to a predetermined address among the registration information stored in the court registration database (21) to the loan contract management server (100).

The loan contract management server 100 checks whether the building owner of the collateral transmitted from the court registration server 20 matches the contractor. If they match, one of the multiple loan contract conditions that can be used to enter into a collateral loan contract after prepayment is satisfied, and if they do not match, a collateral loan contract cannot be concluded after prepayment.

Additionally, the loan contract management server 100 transmits a signal requesting the policyholder's national tax payment details to the National Tax Service server 30, one of the plurality of external servers 1. When the National Tax Service server 30 receives a request signal for the contractor's national tax payment details, it transmits the policyholder's national tax payment details information stored in the National Tax Service database 31 to the loan contract management server 100.

The loan contract management server 100 examines whether there are any unpaid details among the national tax payment history information transmitted from the National Tax Service server 60, and checks whether the loan contract conditions set based on the number of unpaid payments or the unpaid amount are satisfied. If the loan contract conditions are satisfied, one of the multiple loan contract conditions that can be used to enter into a collateral loan contract after prepayment is satisfied, and if not satisfied, a collateral loan contract cannot be concluded after prepayment.

Additionally, the loan contract management server 100 transmits a signal requesting the policyholder's bank transaction details to the Korea Credit Information Service server 40, one of the plurality of external servers 1. When the Korea Credit Information Service server (40) receives a request signal for the policyholder's bank transaction information, the policyholder's bank transaction information among the bank transaction information stored in the Korea Credit Information Service server database (41) is sent to the loan contract management server (100). Send.

The loan contract management server 100 examines whether there are any transaction details (e.g., non-payment of loan interest, delinquent loan interest) that do not satisfy the conditions of the loan contract among the bank transaction details transmitted from the Korea Credit Information Service server 40, and determines whether the loan contract has been set Verify that the contract conditions are met. If the loan contract conditions are satisfied, one of the multiple loan contract conditions that can be used to enter into a collateral loan contract after prepayment is satisfied, and if not satisfied, a collateral loan contract cannot be concluded after prepayment.

In addition, the loan contract management server 100 transmits a signal to the market price information provision server 50, which is one of the plurality of external servers 1, requesting information on the publicly announced land and building standard price for a given lot number and information on the actual transaction price in the probate contract. . When the market price information providing server 50 receives a signal requesting information on the publicly announced standard land price for a given lot and information on the actual transaction price on the probate contract, the publicly announced standard land price on a given lot and the actual transaction price information on the probate contract are stored in the market price information database 51. Information on the publicly announced land and building standard land price corresponding to a given lot number and actual transaction price information on the probate contract are transmitted to the loan contract management server (100). At this time, the price information providing server 50 may be a KB price server or a city/county/district server in the area where the collateral is located.

Additionally, the loan contract management server 100 transmits a signal to the appraisal agency server 60, one of the plurality of external servers 1, requesting information on the appraisal amount of the real estate pledged by the contract holder as collateral. When the appraisal agency server 60 receives a request signal for appraisal amount information transmitted from the loan contract management server 100, the appraised value of the real estate in the name of the contractor is among the appraisal amount information of the real estate stored in the appraisal database 61. Information is transmitted to the loan contract management server (100).

The loan contract management server 100 uses the real estate in the name of the contractor based on the land and building standard public price information transmitted from the market price information provision server 50 and the appraisal agency server 60, the actual transaction price information in the probate contract, and the appraised value information. The loan amount available as collateral and the loan interest rate are calculated. If the calculated loanable amount is lower than the loan amount requested by the contractor or the loan interest rate is higher than the loan interest rate desired by the contractor, the contractor can cancel the loan application in progress.

In addition, the loan contract management server 100 communicates with the notary agency server 70 or the guarantee insurance agency server 80, which is one of the plurality of external servers 1, and generates a notary certificate or guarantee insurance policy for real estate in the name of the policyholder. do.

If the loan contract management server 100 confirms that the loan conditions according to the provision of collateral after pre-loan of the present invention are satisfied, and the contractor also wishes to apply for a loan contract, a notarized deed or guarantee insurance policy collateralizing the real estate in the contractor's name is created. do. The generated notarization or guarantee insurance policy is stored in the notary institution database 71 of the notary institution server 70 or the guarantee insurance institution database 81 of the guarantee insurance institution server 80. At this time, the notary agency server 70 is preferably a notary law firm server or a prosecutor's office server.

In order to create a notary certificate or guarantee insurance certificate, a public certificate or financial certificate submitted through the contractor terminal 200 is used, or the contractor's personal authentication is requested using any one authentication method selected from legal authentication methods, and a notary certificate or An electronic signature based on personal authentication is entered on the surety insurance policy.

The electronic signature can be used by selecting one of the widely used authentication methods, and it is preferable that the electronic signature is performed using a public certificate or financial certificate between the loan contract management server 100 and the contractor terminal 200. When an electronic signature is made on the generated notary certificate or guarantee insurance policy, the notary certificate prepared in the notary institution server 70 or the guarantee insurance certificate created in the guarantee insurance institution server 80 takes legal effect. If the contract holder repays the entire loan amount within the maturity date, the notary deed or guarantee insurance policy is destroyed, and the contract holder cannot change or add to the title of the real estate through the notary deed or guarantee insurance certificate during the loan contract period.

After pre-loaning, a loan contract providing collateral is concluded, and the contractor's personal information or real estate information entered through the contractor terminal 200 during the loan contract process is stored in the member database 110 of the loan contract management server 100, and the loan contract is A loan contract created with an electronic signature using a public certificate or financial certificate between the contract management server 100 and the contractor terminal 200 and the loan contract management server 100 and the external server 1 communicate, and the loan contract management server ( The notarized certificate or guarantee insurance certificate created with an electronic signature using the information received by 100 from the external server 1 and the public certificate or financial certificate between the loan contract management server 100 and the contractor terminal 200 is stored in the contract database 120. It is desirable to store it in . At this time, the loan contract conclusion history information may be created and stored in the form of an electronic document.

Referring to FIG. 3, the loan contract method using the pre-loan and then collateral provision loan contract system of the present invention will be described in detail.

Figure 3 shows a flowchart of a loan contract method using a pre-loan and then collateral provision loan contract system according to an embodiment of the present invention.

First, a connection step is performed in which the contractor accesses the loan contract management server 100 through the contractor terminal 200.

Next, a member status verification step is performed to check whether the contractor who accessed the loan contract management server 100 through the contractor terminal 200 is a member registered with the loan contract management server 100, and if it is confirmed that he is not a member, In this case, the loan contract management server 100 displays a membership registration screen on the contractor terminal 200 so that membership registration can be done through the contractor terminal 200.

The contractor registers as a member of the loan contract management server (100) through the membership registration screen printed on the contractor terminal (200). At this time, one of the external servers (1) that communicates with the loan contract management server (100) Personal authentication can be performed by communicating with a public certification authority server.

In the member status confirmation step, if the contractor connected to the loan contract management server 100 through the contractor terminal 200 is confirmed to be a member, a loan contract that displays a screen for proceeding with the loan contract on the contractor terminal 200 The progress screen output stage proceeds.

When the loan contract progress screen is displayed on the contractor terminal 200, an input step is performed in which predetermined information is input by the contractor into the contractor terminal 200. The information entered at the input stage includes the contractor's personal information, real estate information in the contractor's name, at least one desired loan amount, the loan contract start date, and whether or not the contractor agrees to the establishment of an automatic mortgage on the real estate if the loan amount is not repaid after the loan contract maturity date. Includes. If you do not agree to the establishment of automatic real estate mortgage, you cannot proceed with the loan contract according to the present invention.

A step is performed to check whether the contractee satisfies multiple loan application conditions based on the contractor's information entered in the input stage and the information collected through communication between the loan contract management server 100 and the external server 1.

The criteria for confirming loan application conditions include the contractor's credit information, real estate registration information in the contractor's name, the contractor's tax payment history, the contractor's bank transaction history, and the real estate market price in the contractor's name, which will be described in more detail later.

The loan contract management server 100 requests the contractor's credit information from the credit rating agency server 10, which is one of the plurality of external servers 1, and sends it to the loan contract management server 100 from the credit rating agency server 10. Transmit the contractor's credit information. A credit information confirmation step is performed in the loan contract management server 100 to determine whether a loan is possible based on the contractor's credit information transmitted from the credit rating agency server 10.

In addition, the loan contract management server 100 requests a copy of the register of the real estate entered in the input stage from the court registration server 20, which is one of the plurality of external servers 1, and manages the loan contract at the court registration server 20. A copy of the register of the relevant real estate is transmitted to the server 100. The loan contract management server 100 checks whether the contract holder and the real estate holder on the register match the contract holder and whether the real estate collateral is mortgaged based on the real estate register copy sent from the court registration server 20. The registration information verification stage proceeds.

In addition, the loan contract management server 100 requests the National Tax Service server 30, one of the plurality of external servers 1, for information on the policyholder's national tax payment details, and sends the information to the loan contract management server 100 from the National Tax Service server 30. Transmits the contractor's national tax payment history information. A national tax payment history confirmation step is performed in the loan contract management server 100 to determine whether a loan is possible based on the policyholder's national tax payment history information transmitted from the National Tax Service server 30.

In addition, the loan contract management server 100 requests the policyholder's bank transaction history information from the Korea Credit Information Service server 40, which is one of the plurality of external servers 1, and establishes a loan contract at the Korea Credit Information Service server 40. The policyholder's bank transaction details information is transmitted to the management server 100. A transaction history confirmation step is performed in the loan contract management server 100 to determine whether a loan is possible based on the policyholder's bank transaction history information transmitted from the Korea Credit Information Service server 40.

If it is confirmed that the loan application conditions are not met in one of the above-mentioned credit information confirmation stage, registration information confirmation stage, national tax payment history confirmation stage, and transaction history confirmation stage, the loan contract cannot be proceeded, and the contractor terminal 200 A message may be displayed on the screen indicating that the loan contract conditions are not met.

It is processed when it is confirmed that a loan is possible by satisfying all the loan application conditions according to the credit information confirmation step, registration information confirmation step, national tax payment history confirmation step, and transaction history confirmation step, and the loan contract management server 100 provides market price information. A market price reception stage is performed in which information on the publicly announced land and building standard land price of the real estate entered in the input stage or actual transaction price information in the probate contract is received from the provision server 50.

An appraisal amount receiving step is performed in which the loan contract management server 100 receives the appraised value of the real estate entered in the input step from the appraisal agency server 60.

The loan contract management server 100 calculates the loanable amount, loan interest rate, etc. based on the publicly announced land and building standard land price information received in the market price reception stage, the actual transaction price information in the probate contract, and the appraisal amount received in the appraisal amount reception stage. The calculation stage proceeds.

The loanable amount and loan interest rate calculated in the calculation stage are displayed on the screen of the contractor terminal 200. The contractor can decide whether to apply for a loan contract based on the available loan amount and loan interest rate calculated in the calculation stage, and if it is entered that he/she will proceed with the loan contract application, the loan application transmission stage where the loan contract is applied to the loan contract management server 100. If it is entered that you do not want to proceed with the loan contract application, the loan application is terminated.

When the loan contract application signal sent through the loan contract application transmission step is received by the loan contract management server 100, a notary deed or guarantee insurance policy is generated that collateralizes the real estate in the name of the contractor entered in the input step. The steps progress.

In order to proceed with the notary certificate or guarantee insurance policy creation step, the loan contract management server 100 communicates with the notary institution server 70 or the guarantee insurance institution server 80, and the contractor terminal 200 communicates with the notary certificate or guarantee insurance certificate creation step. It is requested that the contractee's personal authentication be made using a public certificate or financial certificate submitted through ) or any authentication method selected from among the legal authentication methods, and the electronic signature according to the personal authentication is entered in the notary certificate.

At this time, the electronic signature can be used by selecting from among widely used authentication methods, and it is preferable that the electronic signature is performed using a public certificate or financial certificate between the loan contract management server 100 and the contractor terminal 200.

In other words, the electronic signature procedure is carried out between the contractor terminal 200 holding the certificate and the loan contract management server 100 with the issuance information distributed from the public certification agency, and the certificate stored in the contractor terminal 200 for electronic signature is When submitted to the loan contract management server 100, the loan contract management server 100 verifies whether the signature of the submitted certificate is valid by comparing it with distribution information previously received and stored from a public certification authority, so that an electronic signature procedure can be performed.

Once the electronic signature is made, legal effect takes effect on the notarization document prepared in the notary agency server 70 or the guarantee insurance policy prepared in the guarantee insurance agency server 80. The electronic signature process can also be performed when agreeing to the terms and conditions provided by the loan contract management server 100 and agreeing to a personal (credit) information inquiry request.

In the notarization or guarantee insurance policy creation stage, when a notary certificate or guarantee insurance policy collateralizing real estate in the name of the contractor is created, the loan contract management server 100 approves the loan contract, and the loan contract is concluded on the loan contract start date entered in the input stage. The loan approval stage is carried out.

After the loan approval step, the loan contract management server 100 proceeds with the maturity date arrival confirmation step to check whether the maturity date of the already executed loan contract has arrived. At this time, the standard for determining that the maturity date has arrived can be easily changed and applied by a person skilled in the art, such as one month before, two weeks before, one week before, five days before the maturity date, etc.

In the maturity date arrival confirmation step, if it is confirmed that the maturity date of the loan contract has arrived, the loan contract management server 100 may transmit a notification to the contractor terminal 200 to repay the loan amount because the maturity date has arrived.

In the maturity date arrival confirmation stage, the confirmation whether the loan amount has been repaid begins from the point when it is confirmed that the maturity date has arrived. The step of confirming whether the loan amount has been repaid is the step of checking whether the contractor has repaid the loan amount in full. When it is confirmed that the loan amount has been fully repaid, the loan contract termination stage proceeds, and the notary certificate or guarantee insurance policy created in the notarization or guarantee insurance policy creation stage is discarded.

At this time, the step of checking whether the loan amount has been repaid may be performed even before the step of confirming the arrival of the maturity date. If it is confirmed that the loan amount has been fully repaid, the maturity date confirmation step does not proceed, and if it is confirmed that the loan amount has not been repaid or only a portion of the loan amount has been repaid, the maturity date arrival confirmation step is performed.

If it is determined that the loan amount has not been repaid during the confirmation stage of whether the loan amount has been repaid, the counting stage proceeds. The counting step is a step of accumulating and counting the number of progresses in the loan repayment confirmation step or counting the number of times the date has passed. The initial value is set to 0, and if it is less than the standard value, the step of checking whether the loan amount has been repaid is re-run. At this time, it is preferable that the step of checking whether the loan amount has been repaid is performed 24 hours after the step of checking whether the loan amount has been repaid.

The standard value set in the counting stage is set as (loan contract maturity date) - (time of maturity date arrival). That is, when the maturity date arrival point is set to be one week before the loan contract maturity date, the standard value of the counting step is set to 7, and when it is set to two weeks before, it is set to 14.

If the number counted in the counting step exceeds a predetermined standard value, this means that the loan amount has not been repaid and the maturity date of the loan contract has passed, and an automatic mortgage setting step is performed.

In the automatic mortgage setting step, the mortgage is automatically set for the real estate set as collateral in the above-mentioned notarization or guarantee insurance policy creation step, and the loan contract is changed from an existing loan contract to a collateral loan contract and updated.

At this time, a late fee may be charged to the contractor for failing to repay the loan amount on the maturity date, and the cost of setting up a mortgage, attorney fees, and appraisal fees may also be charged to the contractor.

The technical idea of the present invention should not be interpreted as limited to the above-described embodiments. Not only is the scope of application diverse, but various modifications can be made at the level of those skilled in the art without departing from the gist of the present invention as claimed in the claims. Accordingly, such improvements and changes fall within the scope of protection of the present invention as long as they are obvious to those skilled in the art.

100 Loan contract management server
110 Member Database
120 Contract Database
200 contractor terminals
1 external server
10 Credit rating agency server
11 Credit rating database
20 Court Registration Department Server
21 Court registration database
30 National Tax Service Server
31 National Tax Service Database
40 Korea Credit Information Service Server
41 Korea Credit Information Service Server Database
50 Market price information server
51 Market information database
60 Appraisal agency server
61 Appraisal database
70 Notary agency server
71 Notary database
80 Guarantee insurance agency server
81 Guarantee Insurance Agency Server Database

Claims (12)

In the loan contract management server, which is equipped with a loan contract process and where the loan contract procedure is carried out according to the installed loan contract process,
The loan contract management server,
There is a process for concluding a loan contract and prepaying the loan amount,
It is connected to a member database that stores personal information of loan policyholders entered through a contract terminal connected through a communication means and a contract database that stores contract information concluded through the loan contract conclusion process,
Information is requested and received from external servers connected to each other through multiple external servers and communication means,
Confirm that the loan application conditions are met for the loan contract you wish to apply through the above loan contract process,
A loan contract system that provides collateral after pre-loaning, characterized in that a loan contract is concluded by paying the loan amount in advance for a loan contract that satisfies the loan application conditions.
According to paragraph 1,
Whether or not the above loan application conditions are met,
A loan contract system that provides collateral after pre-loaning, characterized in that it compares and confirms information input from the contractor terminal and information received by requesting from the external server.
According to paragraph 1,
The external server is,
It is connected and communicates with the loan contract management server through a communication means, receives a signal requesting the contractor's credit information sent from the loan contract management server, and uses the contractor's credit information stored in the credit rating agency database to provide the loan contract. A credit rating agency server transmitting to the contract management server;
It is connected and communicates with the loan contract management server through a communication means, receives a signal requesting registration data for a predetermined address transmitted from the loan contract management server, and recalls the registration information for a predetermined address among the registration information stored in the court registration database. The court registration server transmits data to the loan contract management server;
It is connected and communicates with the loan contract management server through a communication means, receives a national tax payment details request signal sent from the loan contract management server, and enters the national tax payment details information of the policyholder among the national tax payment details information stored in the National Tax Service database into the loan contract. National Tax Service server transmitting to the management server; and
It is connected and communicates with the loan contract management server through a communication means, receives a bank transaction details request signal sent from the loan contract management server, and collects the policyholder's bank transaction details information from the bank transaction details stored in the Korea Credit Information Service server database. Korea Credit Information Service server transmitting to the loan contract management server;
A loan contract system that provides collateral after pre-loaning, characterized in that it includes.
According to paragraph 3,
The external server is,
It is connected and communicates with the loan contract management server through a communication means, and receives a signal requesting information on the publicly announced land and building standard price of a predetermined lot transmitted from the loan contract management server or information on the actual transaction price in the probate contract, and is stored in the market price information database. A market price information providing server that transmits the publicly announced land and building standard land price information in a given lot or the actual transaction price information in the probate contract to the loan contract management server; and
It is connected and communicates with the loan contract management server through a communication means, receives a request signal for real estate appraisal amount information of a predetermined number transmitted from the loan contract management server, and receives a request signal for real estate appraisal amount information stored in the appraisal database. an appraisal agency server that transmits real estate appraisal amount information to the loan contract management server;
A loan contract system that provides collateral after pre-loaning, further comprising:
According to clause 4,
The loan contract management server,
A loan contract system that provides collateral after pre-loaning, characterized in that the loanable amount and loan interest rate are calculated based on the land and building standard publicly announced land price information or the actual transaction price information in the probate contract and the appraisal amount information.
According to paragraph 4,
The external server is,
a notary agency server that is connected to the loan contract management server through a communication means and generates a notarized document for real estate in the name of the contractor; or
A guarantee insurance agency server that is connected to the loan contract management server through a communication means and generates a guarantee insurance policy for real estate in the name of the policyholder;
A loan contract system that provides collateral after pre-loaning, further comprising:
In the loan contract method using a loan contract system that provides collateral after pre-loaning,
A pre-loan contract stage in which the contractor accesses the loan contract management server through the contract terminal to apply for a loan contract and concludes a loan contract for a certain period of time;
A maturity date confirmation step of checking whether the loan contract concluded in the advance loan contract step has reached maturity;
A loan repayment confirmation step, which is performed when it is confirmed that the loan contract maturity date has arrived in the maturity date confirmation step, and checks whether the loan amount paid to the policyholder in the advance loan contract step has been repaid; and
It is performed when it is confirmed that the loan amount has not been fully repaid in the loan repayment confirmation step, and includes a counting step of counting the number of times the loan repayment confirmation step has been performed and comparing it with a reference value,
If the value counted in the counting step is less than or equal to the reference value, the loan repayment confirmation step is repeated,
If the value counted in the counting step exceeds the reference value, a mortgage setting step in which a mortgage is automatically set for the real estate in the contractor's name entered by the contractor in the advance loan contract step;
A loan contract method using a loan contract system that provides collateral after pre-loaning, characterized in that it is carried out.
In clause 7,
The advance loan contract stage is,
A connection step in which the contractor connects to the loan contract management server through the contractor terminal;
A member confirmation step of confirming whether the contractor who accesses the loan contract management server through the contractor terminal is a member registered with the loan contract management server;
In the member status confirmation step, if the contractor connected to the loan contract management server through the contractor terminal is confirmed to be a member, a loan progress screen output step of displaying a screen for proceeding with a mortgage loan contract on the contractor terminal;
The contractor agrees to automatically set up a mortgage for real estate in the contractor's name if the loan amount is not repaid after the contractor's personal information, real estate information in the contractor's name, at least one desired loan amount, loan contract start date, and loan contract maturity date. An input step where whether or not it is input;
The loan contract management server requests the credit information of the policyholder from the credit rating agency server, transmits the credit information of the policyholder from the credit rating agency server to the loan contract management server, and sends the credit information of the policyholder to the credit rating agency server from the loan contract management server. A credit information confirmation step of checking loan application conditions based on the contractor's credit information transmitted from;
The loan contract management server requests the court registration server to obtain a certified copy of the real estate registered by the contract holder as collateral, and the loan contract management server requests the contract holder and the real estate rights on the registered copy based on the registered copy of the real estate sent from the court registered server. A registration information verification step to confirm the loan application conditions by verifying that the person matches the contractor;
The loan contract management server requests the National Tax Service server for information on the policyholder's national tax payment history, the National Tax Service server transmits the policyholder's national tax payment history information to the loan contract management server, and the loan contract management server transmits it from the National Tax Service server. A national tax payment history confirmation step to check the loan application conditions based on the national tax payment history information of the contractor;
The loan contract management server requests the Korea Credit Information Service server for the policyholder's bank transaction details information, the Korea Credit Information Service server transmits the policyholder's bank transaction details information to the loan contract management server, and the loan contract management server transmits the policyholder's bank transaction details information to the loan contract management server. A transaction history confirmation step of confirming loan application conditions based on the policyholder's bank transaction history information transmitted from the Korea Credit Information Service server;
A market price information receiving step in which the loan contract management server receives market price information including information on the publicly announced real estate land and building standard lot price information of a predetermined lot or actual transaction price information in a probate contract from the market price information provision server;
An appraisal amount receiving step in which the loan contract management server receives an appraisal amount for a real estate in a predetermined lot from an appraisal agency server;
A calculation step in which a loanable amount and a loan interest rate are calculated by the loan contract management server based on the market price information received in the market information receiving step and the appraisal amount received in the appraisal amount receiving step;
A loan application step in which the loanable amount and the loan interest rate calculated in the calculation step are output to the contractor terminal, and a loan application request is transmitted from the contractor terminal to the loan contract management server;
When the loan contract management server receives a loan application request sent through the loan application step, the loan contract management server and the notary institution server communicate and provide a notary certificate or guarantee insurance policy collateralizing the real estate in the name of the contractor entered in the input step. Step of creating a notary certificate or guarantee insurance policy; and
When a notary certificate or guarantee insurance policy is created in the notarization or guarantee insurance policy creation step, the loan contract management server approves the loan contract, and the loan amount is paid in advance to the policyholder on the loan contract start date entered in the input step, thereby completing the loan contract. Loan approval steps to be executed;
A loan contract method using a loan contract system that provides collateral after pre-loaning, characterized in that it includes.
According to clause 8,
The loan contract method is:
If it is confirmed that the entire loan amount has been repaid in the loan repayment confirmation step above,
A loan contract method using a loan contract system providing collateral after a pre-loan, characterized in that the notary certificate or guarantee insurance policy generated in the notarization or guarantee insurance policy generation step is discarded.
In clause 7,
The loan contract method is:
If it is confirmed that the maturity date has arrived in the maturity date arrival confirmation step, a notification that the maturity date has arrived is sent to the contractor terminal from the loan contract management server. A loan using a loan contract system that provides collateral after pre-loaning, characterized in that How to contract.
In clause 7,
The above reference value is,
A loan contract method using a loan contract system that provides collateral after pre-loaning, characterized in that the value is calculated by counting the remaining days from the loan contract maturity date set in the loan contract management server to the loan contract expiration date.
In clause 7,
The loan repayment confirmation step is,
A loan contract method using a loan contract system that provides collateral after pre-loaning, characterized in that the loan contract system is re-produced 24 hours after the previous loan repayment confirmation step was performed.